I had signed up for trupanion pet insurance after reading good reviews. Now my dog had a CCL rupture and needs surgery. They refused to cover ANY costs because they classified limping as a pre-existing illness. After my vet send them a lengthy letter (as seen in picture) they STILL denied coverage saying they do not cover any CCL injuries that occur within 18 MONTHS!!!!!! Absolute waste of time and money. My vet hates them too. Have cancelled my subscription.

I have been with this insurance for two years. I made 3 claims , 3 of them which i paid from my own pocket because my deductible was 200$ and they myst get sick more than once and then you are fully covered as long you pass that 200$ deductible. there is an increase in price i started 2 years ago at 40$ now i am at 78$. they will not listen to your concerns or any request. They will have any excuses or an argument for a price increase. In my case they said vet cost through the year and that is depends on the amount of dogs of the same breed in my area who goes to the vet. I just spoke to the receptionist at the vet when I picked nexguard for my dog she said that is just an excuse for them to raise the price, they say unlimited but there is a catch STAY AWAY FROM TRUPANION LIKE THE PLAGUE!!!

Not one claim has been approved in 8 years. We have paid over $15,000 in premiums and only denial. Total rip off.

I received a free trial of Trupanion through a breeder when I adopted my Maine Coon kitten. He had very bad diarreah when I got him home and the breeder had sent me home with worming medications. I took him for a wellness check to the vet and asked for a full fecal panel to be sure of the cause of the diarrheah. I submitted the claim and Trupanion refused to pay for the panel and sent me a long list of all the things they do not cover which seems like almost every reason you might bring a pet to the vet. They also asked for $154cnd per month if I wished to continue the coverage. What coverage? No thanks.

They don't cover tests even if it is caused by an emergency. We had a bill of $422 and they covered $0 . Really not worth for the price I pay monthly.

We have a French bulldog named Hugo and we scheduled him for surgery for his brachycephalic syndrome and we got a reply from Trupanion that they will not cover his surgery We've been paying a monthly premium of $250 / month for over 2 years now. And to find out that they won't cover for his surgery is preposterous, I could've put that money aside for his surgery. I wouldn't recommend Trupanion for anyone with a frenchie

All they do is raise premiums when you're in too deep. And, like most insurers, they love denying claims. I regret not just saving the money in an interest-bearing account. 100% not worth it.

We had a $500 deductible with my dog’s insurance, and every time she needed care, we had to pay out of pocket. One night, we had an emergency and the $300 visit wasn’t covered because emergencies aren’t covered. On top of that, they raised my premium from $115 to $160 in just one year without notifying me. They’re such a rip-off! If you need pet insurance, go with Costco Pet Insurance – they cover all visits. I will never recommend Trupanion to anyone.

This company has multiple minimum $500 expense amounts you must reach for any pay out and they deny almost everything that is claimed. We had a $3900 bill for an injested plastic piece that needed multiple scans and were only paid out $800. When I called to cancel, they tried to blame my frustrations on having such a high deductible (only $350).

This company has multiple minimum $500 expense amounts for each body part or ailment (four separate claims were approved but each condition had a $500 copay first so we recieved no reimbursement). We had a several thousand dollar bill for an injested plastic piece that needed multiple scans and were only paid out about 28%. When I called to cancel, they tried to blame my frustrations on having such a high deductible (only $350). Trupanion has, like many of the negative reviews, reached out but I have no interest in engaging with this company, having already made true statements about their (lack of) services with their insurance plan. Do it right the first time Trupanion! Trupanion, do not bother calling or emailing me as I will not respond to you.